Paisabazaar Logo - Compare loans and credit cards

HDFC Personal Loan Interest Rate

iconicon
Get Cashback of 1,000* on Loan Disbursal
Valid till 30th April '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Wide Choice

Wide Choice

Curated offers from 30+ lenders

Icon image of Quick Disbursal

Quick Disbursal

Money in your account instantly

Icon image of SmartMatch

SmartMatch

Offers ranked according to eligibility

Icon image of Digital Process

Digital Process

Hassle-free & paperless

Find Best Personal Loan Offers

Sort by:

HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

HDFC Bank Personal Loan Interest Rate

The HDFC Bank personal loan interest rate starts from 9.99% p.a. The specific personal loan interest rates applicable to you may vary, depending on your credit score, monthly income, employment/business stability, employer’s profile and existing relationship with the bank.

Minimum Interest Rate 9.99% p.a.
Maximum Interest Rate 12.50% p.a.

Personal Loan Interest Rates by Other Banks/NBFCs

Bank/NBFC Interest Rates (% p.a.) Processing Fees
Aditya Birla Finance 10.99 onwards Up to 4%
Axis Bank 9.99 onwards Up to 2%
Bank of Baroda 10.15-18.05 Up to 2% (Max. Rs. 10,000)
Bajaj Finance Limited 10.00-30.00 Up to 3.93%
Bank of India 10.85-16.15 Up to 1% (Min. Rs. 250; Max. Rs. 15,000)
Bank of Maharashtra 8.75-13.55 Up to 1% (Max. Rs. 10,000)
Canara Bank 9.70-15.15 Up to 0.5% (Max. Rs. 5000)
Central Bank of India 9.65-11.55 Up to 1%
Cholamandalam IFC 10.00-28.00 4% - 6%
Dhani Loans & Services Ltd. 13.99 onwards 3% onwards
Federal Bank 11.99 onwards Up to 2%
HDB Financial Services 10.00 - 35.00 Up to 5.90%
Hero Fincorp 19.00 onwards 2.3% - 3%
HSBC Bank 9.95 onwards Up to 2%
ICICI Bank 9.99 onwards Up to 2%
IDFC FIRST Bank 9.99 onwards Up to 2%
IIFL Finance 12.75 - 44.00 2% - 9%
Indian Overseas Bank 10.25 onwards Up to 0.75%
IndusInd Bank 10.35 onwards* Up to 3.5% (2% for instant personal loans for limited period)
Kotak Mahindra Bank 9.98 onwards* Up to 5%
L&T Finance 11.00 onwards Up to 3%
Mahindra Finance 8.00 - 25.00 2% of loan amount or Rs. 5,000, whichever is lower
Mannapuram Finance 18.00 - 24.00 1% of loan amount
Moneyview 14.00 onwards 2% onwards
Muthoot Finance 14.00 - 22.00 Varies for each application
Piramal Finance 12.14 onwards Up to 5%
Poonawalla Fincorp 9.99 onwards Up to 3%
Punjab & Sind Bank 9.60-13.85 0.50% - 1%
Punjab National Bank 10.25-16.80 Up to 1%
Shriram Finance 11.00 onwards Up to 5%
Tata Capital 10.99 onwards Up to 3.5%
UCO Bank 9.95 - 13.20 Up to 1% (Min. Rs. 750)
Union Bank of India 8.75 - 12.55 Up to 1% (Max. Rs. 7,500)

*Paisabazaar special rates
Note: Rates as of 9th February 2026

Interest Rates on HDFC Bank Personal Loans for Salary Account Customers and Non-Salary Account Holders

The interest rate range offered by the HDFC Bank for salaried account customers and non-salaried account holders shall remain the same, which is 9.99% p.a. - 12.50% p.a.

HDFC Bank Personal Loan Interest Rate for Pensioners

If you are a pensioner or senior citizen and applying for the HDFC Bank personal loan, then your interest rate will range between 9.99% p.a. - 12.5% p.a. However, the exact interest rate shall depend on your credit history and your relationship with the bank.

Factors Affecting HDFC Bank Personal Loan Interest Rate

The following are the key factors that affect HDFC personal loan interest rate:

Credit Score

  • Usually, your high credit score (750+) qualifies you for low interest rates.
  • If you have a low credit score then try improving it, as it might lead to high interest rates on personal loan or even rejection of your personal loan application.

Income

  • Your high monthly income assures the bank of your repayment capacity, which makes you eligible to avail personal loan at low interest rates.
  • To avail personal loan from HDFC Bank, maintain a minimum net monthly income of Rs. 25,000 or above.

Employment Type & Stability

  • Salaried employees working with reputed companies, like corporates, MNCs or Public Sector Undertakings (PSUs) have higher chances of getting personal loans at low interest rates.

Loan Amount and Tenure

  • Generally, banks do offer low interest rates to salaried individuals for larger loan amounts, if you have a stable income or high salary.
  • Self-employed individuals with stable income are also offered competitive interest rates by the HDFC Bank.

Debt-to-Income Ratio

  • If you are already burdened with ongoing loans, the bank shall charge a higher rate of interest to minimize the risk of default.
  • Maintain your DTI ratio of 35% or below to avail personal loan at competitive interest rates.

Existing Relationship with HDFC Bank

  • If you are an existing HDFC customer (salary account holder or credit card user), the bank may offer preferential rates on personal loans.

How to Get the Best HDFC Bank Personal Loan Interest Rate

Applicants can follow the tips mentioned below to get HDFC Bank Personal Loan at lower interest rates:

  • Build and Maintain a Good Credit Score: Having a credit score of 750 or above is preferred by most lenders and can help you avail a loan at lower interest rates. Making repayments on time and handling credit responsibly can help improve your credit score.
  • Compare HDFC Bank Personal Loan Rates Online: You can use a financial marketplace such as Paisabazaar.com to compare HDFC Bank’s personal loan interest rates with other lenders and ensure that you get the best deal.
  • Check for Pre-approved Loan Offers: HDFC Bank provides various pre-approved personal loan offers to its eligible customers from time-to-time. You can reach out to HDFC Bank and find out if you're eligible for any pre-approved offers at preferential rates.
  • Look Out for HDFC’s Festive Offers: A lot of lenders offer special interest rate concessions during festive seasons. Try and peep an eye on such offers by HDFC Bank during the festive season to get the lowest rates on personal loans.

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

HDFC Bank Personal Loan Interest Rate Calculation

Given below is a sample EMI calculation for two different interest rates offered on loan amounts of Rs. 2 lakh and Rs. 5 lakh respectively, over a tenure of 5 years:

Interest Rate Loan Amounts Loan Tenure EMI
9.99% p.a. Rs. 2 Lakh 5 Years Rs. 4,248
11% p.a. Rs. 2 Lakh 5 Years Rs. 4,348
9.99% p.a. Rs. 5 Lakh 5 Years Rs. 10,621
11% p.a. Rs. 5 Lakh 5 Years Rs. 10,871

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

The current HDFC Bank personal loan interest rate ranges between 9.99% – 12.5% p.a.

If the salary account holders have a high credit score and job stability with reputed employers, then they might get lower interest rates.

The minimum net monthly salary required for personal loans for salaried individuals is Rs. 25,000.

The processing fee charged by HDFC Bank on personal loan can range up to Rs. 6,500 plus applicable taxes.

Irrespective of the loan amount, the interest rate offered by HDFC Bank on personal loan remains the same, which at present can range between 9.99% p.a. - 12.5% p.a.

quotes icon

What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

icon image of avatar
Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

icon image of avatar
Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

icon image of avatar
Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

icon image of avatar
DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

icon image of avatar
BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

icon image of avatar
Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

icon image of avatar
Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

icon image of avatar
Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

icon image of avatar
Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

icon image of avatar
Anuradha GuptaJan 21, 2026
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Knapsack with coins

Check Best Personal Loan Offers
with Quick Disbursal

Scroll to top